Auto Loans

Practicality That Gets You There

Hop into the driver’s seat.

Choose an Auto Loan2 to fit your unique needs, financial situation, and life circumstances.

UFCU offers the same low rates and flexible terms to help you find a realistic monthly payment, whether you’re looking for a new or used vehicle or an opportunity to refinance at a lower rate. With a qualified Plus Checking account, you can enjoy a 0.25% discount.3

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Buy New, Used, or Refinance

Whether you’re purchasing a vehicle or refinancing your current loan, UFCU offers the same low rates4 and flexible terms.

Don’t wait for your current car loan to be paid off — you might be able to make a switch to UFCU’s lower rates today. By refinancing auto loans from other lenders, our Members have saved an average of $1,950 in interest on their car loans and lowered their monthly payments by as much as $50.

To find out how much you’d save by switching, have your current loan contract or payment book ready and apply online or call (512) 498-CARS (2277).

Or if you’ve been turned down by other lenders due to a low credit score, ask about our credit builder loan.2

Regardless of your situation, we understand that reliable transportation is key to a successful financial future. We’re here to help.

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Rates

These rates do not apply to loans of $100,000 or more. For loan amounts of $100,000 or more, please call (512) 498-CARS (2277) for current rates and terms.

Term restrictions may apply.

* Discount applies to vehicles less than 10 years old and with fewer than 100,000 miles. Eligibility subject to verification. Terms and conditions apply.
Annual Percentage Rate (APR) based on your credit and risk score
Term Excellent Good Average Fair Marginal Low / No score
1 to 48 Months 4.99% 6.74% 7.49% 9.39% 14.65% 17.25%
49 to 66 Months 5.64% 7.39% 8.14% 9.89% 15.10% 17.70%
67 Plus Months 6.04% 7.79% 8.79% or 8.14%* 10.89% or 9.89%* 16.55% 17.90%

Calculators

  • Learn How Low Your Monthly Payment Could Be

    Wondering how much you should commit to paying monthly for your next vehicle? You can calculate your monthly payment with three key factors:

    • The net purchase price of the vehicle (plus sales tax)
    • The loan term (how many months you have to pay)
    • The interest rate for the loan

    1. Start by entering the purchase price of the vehicle.
    2. Enter any cash rebate or anticipated cash back.
    3. Enter the sales tax rate for the state in which you’re purchasing the vehicle.
    4. Enter the value of any vehicle you intend to trade in.
    5. If you have an outstanding balance on the vehicle you want to trade in, also add that amount.
    6. Adjust the interest rate and down payment amounts to reflect your situation and then compare the monthly payment amounts to see what works for you. 
    Our online calculators are designed for educational and informational purposes only. They are intended to provide general guidance and estimates based on the information you provide. These tools should not be used as the sole basis for making financial decisions. We recommend consulting with a qualified financial advisor to obtain personalized advice tailored to your specific financial situation. There is no guarantee on the loan terms presented in the calculation.

  • Learn How Much Vehicle You Can Afford

    Wondering how much you should borrow for your next auto loan? Let's break it down.

    1. Start by considering your monthly budget, any down payment you can make, and the trade-in value of your current vehicle.
    2. Enter your ideal monthly payment and the interest rate you think you might qualify for.
    3. Enter any cash rebates or cash back. (While these offers from the dealership can help reduce your overall spending, it's crucial to base your loan amount on your actual budget for long-term financial success.)
    4. Adjust the purchase details to see how much vehicle you can afford based on the loan term you choose.
    5. Finally, review your results in the chart and table to get a clear picture of your options.
    Our online calculators are designed for educational and informational purposes only. They are intended to provide general guidance and estimates based on the information you provide. These tools should not be used as the sole basis for making financial decisions. We recommend consulting with a qualified financial advisor to obtain personalized advice tailored to your specific financial situation. There is no guarantee on the loan terms presented in the calculation.

  • Find the Best Loan Term for You

    Not sure how to decide on a loan term? The “term” of your vehicle loan is the duration of time, usually in months, you have to pay off the loan in full. The term can make an enormous difference in your monthly payment. It also can also have a significant impact on the amount of interest you will pay over the course of the loan.

    • A shorter term means fewer months to pay off the loan. That translates to higher monthly payments, but you’ll pay less interest (and thus less money overall).
    • A longer term means more months to pay off the loan. That translates to lower monthly payments, but you’ll pay more interest (and thus more money overall).

    1. You want to strike a healthy balance between finding a monthly payment you can afford without paying too much interest over the life of the term. Start by entering the vehicle purchase price.
    2. Enter how much you will pay for a down payment.
    3. Enter any cash rebate or anticipated cash back.
    4. Enter the sales tax rate for the state in which you’re purchasing the vehicle.
    5. Enter the value of any vehicle you intend to trade in.
    6. If you have an outstanding balance on the vehicle you want to trade in, also add that amount.
    7. Adjust the loan term, interest rate, and down payment amount to reflect your situation and learn what the right auto loan term for you is.  
    Our online calculators are designed for educational and informational purposes only. They are intended to provide general guidance and estimates based on the information you provide. These tools should not be used as the sole basis for making financial decisions. We recommend consulting with a qualified financial advisor to obtain personalized advice tailored to your specific financial situation. There is no guarantee on the loan terms presented in the calculation.
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Related Products and Services

Vehicle Services

You can further reduce risk with the Extended Warranty or Major Mechanical Protection (MMP), Guaranteed Asset Protection, and Debt Cancellation programs.

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Credit Coach

Auto loan rates are determined in large part by your credit score. See where you stand and find ways to boost your numbers with our online Credit Coach.

Explore This

1 APR = Annual Percentage Rate. No interest will accrue for 90 days. Offer expires August 31, 2025. Restrictions may apply.

2 Subject to credit eligibility. Certain restrictions apply.

3 Auto Loan Rate Discount. A Plus Checking account can receive a 0.25% discount on a consumer auto loan (excluding internal refinances). The discount would take a quarter of a point (0.25% or 25 Bps) off the standard auto loan rate the Member qualified for. The 0.25% auto loan discount for Plus Checking members is not applicable to rates of 4.99% APR with terms of 1-48 months. The Plus Checking member discount is available on all other rates and terms. For more details, please speak with a loan officer.

To receive the Auto Loan Rate discount, the following apply:

  1. A Plus Checking share must be open on the same account (i.e. the same UFCU share account number) in which the consumer auto loan resides at the time of loan origination.
  2. The discount can only be applied to a consumer auto loan opened after 12:01 AM on 10/1/2024.
  3. The discount only applies to a new-to-UFCU consumer auto loan, which includes the following loan types:
    1. Purchase (purchase of an auto)
    2. External Refinance (purchased with dealer and Member refinances with UFCU)
  4. The discount is not available on:
    1. Existing auto loans funded prior to opening the Plus Checking share
    2. Loans already financed with UFCU (e.g. an internally refinanced auto loan)
    3. Any other loan balance at UFCU
    4. Commercial or Business auto loans
  5. The Member must qualify for the auto loan to receive the discount.
  6. Having a Plus Checking account does not guarantee loan approval.

All the standard qualifications for obtaining the loan must be met.

4 Rates subject to change.

Rankings based on TransUnion Data April 2025